Kuala Lumpur, 28 April 2026 – Seedflex and Jaidee announce the launch of Pay-As-You-Sell AdvanceTM in Thailand. The product brings dynamic, revenue-linked merchant financing to Thai SMEs for the first time, offering capital that adjusts to real sales performance rather than fixed monthly repayment schedules.
JaiDee is a corporate venture of DeeMoney, Thailand's leading cross-border fintech, and operates under Bank of Thailand regulatory standards. Seedflex contributes its proprietary Pay-As-You-Sell AdvanceTM technology stack, already proven in the Malaysian and Indonesian markets, to power the product's dynamic repayment engine.
Despite being the backbone of the Thai economy, many SMEs are stifled by a "credit gap" caused by rigid traditional loans that demand fixed repayments regardless of sales fluctuations, physical collateral, and lengthy reviews of static data. JaiDee addresses this by aligning capital with the real-time performance of modern commerce.
JaiDee's Pay-As-You-Sell AdvanceTM gives growth-oriented Thai merchants access to working capital based on their verified sales history. Repayments are made as a fractional deduction from future sales, meaning merchants repay more in strong months and less when sales slow, with no fixed installments, no late fees, and no hidden charges.
Key product features:
Southeast Asia is home to more than 7 million cashless commerce MSMEs without access to frictionless digital credit - a number expected to double by 2028 as more businesses move to digital and cashless channels. In Thailand, growth-oriented SME merchants have historically been underserved by traditional lending, which relies on static credit data and rigid repayment structures ill-suited to the realities of commerce. JaiDee directly addresses this gap.
To meet this growing demand, JaiDee is currently securing additional regulatory licenses to expand its fractional repayment model beyond e-commerce, aiming to provide frictionless digital credit to a broader demographic of underserved Thai entrepreneurs.
Ritwik Ghosh, Co-Founder & CEO, Seedflex, said: "We are expanding our coverage across Emerging Asia by leading with a local partnership model powered by our proprietary technology and platform. As we enter new markets, the resulting growth in our dataset allows us to refine further and enhance our credit model."
About Seedflex
Seedflex Technologies is an inclusive fintech company headquartered in Singapore. Its proprietary Pay-As-You-Sell AdvanceTM product provides dynamic, revenue-linked financing to cashless merchants across Southeast Asia. Backed by ZVC, Iterative and 500 Global, Seedflex launched its solution in Malaysia in 2024 and has since expanded its technology to new markets through strategic partnerships.
About JaiDee
JaiDee is a Thai fintech corporate venture by DeeMoney launched in October 2025. It operates under Bank of Thailand regulatory standards and is built on the financial infrastructure of DeeMoney — Thailand's leading cross-border fintech, which has processed over 200B THB across 12 million+ transactions. JaiDee offers embedded financing solutions designed specifically for growth-oriented Thai SME merchants.
Media Contact
Seedflex Technologies
Email: hello@seedflex.com
Website: https://www.seedflex.com/
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